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Re: If you need a laugh today...

I wish it was just an April 1 yarn.
by BigFoot48
Wed Apr 01, 2015 5:29 pm
 
Forum: Investing - Theory, News & General
Topic: If you need a laugh today...
Replies: 7
Views: 1210

Re: Schwab / Vanguard Fund & Allocation Advice

Right on the mark! What a significant improvement that portfolio will be over your current one. Easy to understand, low fees, and a breeze to maintain or change your chosen allocation. Well done. REITS are in Total Stock Market and while I current own some, I look forward to the day I simplify even ...
by BigFoot48
Mon Mar 30, 2015 5:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Schwab / Vanguard Fund & Allocation Advice
Replies: 18
Views: 1921

Re: Best Way to Visualize Compounding

“Compound interest is the eighth wonder of the world. He who understands it, earns it ... he who doesn't ... pays it.”

― Albert Einstein
by BigFoot48
Sun Mar 29, 2015 7:33 pm
 
Forum: Investing - Theory, News & General
Topic: Best Way to Visualize Compounding
Replies: 40
Views: 3210

Re: What are some common misconceptions found in this forum?

A few come to mind...

Roth conversions are always a good idea.
If married, one person should always wait until 70 to start SS benefits.
Vanguard has the best funds.
Bogleheads is just another investing forum.
by BigFoot48
Sun Mar 29, 2015 10:39 am
 
Forum: Personal Finance (Not Investing)
Topic: What are some common misconceptions found in this forum?
Replies: 209
Views: 17365

Re: Schwab / Vanguard Fund & Allocation Advice

Really appreciate the feedback here. The Vanguard portfolio was designed after reading several asset allocation books and then researching the Aronson Famil Taxable Portfolio (http://m.seekingalpha.com/article/293499) but agree that it looks largely complex now. You might find it interesting to loo...
by BigFoot48
Fri Mar 27, 2015 4:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Schwab / Vanguard Fund & Allocation Advice
Replies: 18
Views: 1921

Re: Schwab / Vanguard Fund & Allocation Advice

I would set a goal of greatly simplifying the portfolio. Having 12 funds in an account that makes up 10% of the portfolio is, I think there is a technical term, ah yes, nuts! I agree with livesoft that the Vanguard taxable account would be where to hold the two Vanguard stock funds. I would do the s...
by BigFoot48
Fri Mar 27, 2015 10:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Schwab / Vanguard Fund & Allocation Advice
Replies: 18
Views: 1921

Re: lump sum and dollar cost averaging

http://www.bobsfinancialwebsite.com/download.html#LSminusDCA And this chart provides the evidence. Click image for full size. This link is broken. Can somebody fix it? All that remains of Bob's website is at the Wayback Machine: http://web.archive.org/web/20110208064044/http://bobsfinancialwebsite....
by BigFoot48
Wed Mar 25, 2015 8:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: lump sum and dollar cost averaging
Replies: 95
Views: 6701

Re: Building a new house. Any recommendations?

After my wife broke her ankle in a bike accident, I learned a lesson thanks to our 1978 sunken living room and bedroom house: make sure your house is wheelchair friendly.
by BigFoot48
Wed Mar 25, 2015 10:07 am
 
Forum: Personal Consumer Issues
Topic: Building a new house. Any recommendations?
Replies: 51
Views: 4441

Re: Tax Software

There's a great Excel downloadable spreadsheet that does the 1040 and a bunch of supplemental forms: https://sites.google.com/site/excel1040/
by BigFoot48
Mon Mar 23, 2015 12:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax Software
Replies: 23
Views: 1116

Re: Anyone concerned about their bond holdings?

but bonds will go down with interest hikes - thats the concern i was posting about Yes, but as I will have little need to sell my bonds it doesn't matter, and after about 4-5 years the higher interest rates will have covered any decrease and be a net positive going forward. Schwab opinion: http://w...
by BigFoot48
Sun Mar 22, 2015 5:17 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone concerned about their bond holdings?
Replies: 58
Views: 5718

Re: Anyone concerned about their bond holdings?

Looking forward to interest hikes as I'd like some more income from my bonds. Bring it on!
by BigFoot48
Sat Mar 21, 2015 4:07 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone concerned about their bond holdings?
Replies: 58
Views: 5718

Re: How do you invest your taxable account?

Currently my taxable holds (plus MM): Schwab Total Stock Market Index (SWTSX) Vanguard Short-Term Bond ETF (BSV) And in the future post-inheritance: Vanguard Interm-Term Tx-Ex Inv (VWITX) If anyone is having trouble deciphering the stand-alone security symbols posted, this Wiki page describes tools ...
by BigFoot48
Fri Mar 20, 2015 8:59 pm
 
Forum: Investing - Theory, News & General
Topic: How do you invest your taxable account?
Replies: 62
Views: 5920

Re: Retired - When to Sell to Generate Cash

I've been dealing with this issue for some 15 years now. You don't need three years of cash, you need three years of net cash after deducting expected dividends/cap gains (those that aren't reinvested) and pensions/social security income. I started out at three years too, but have found one net year...
by BigFoot48
Mon Mar 16, 2015 11:59 am
 
Forum: Investing - Theory, News & General
Topic: Retired - When to Sell to Generate Cash
Replies: 30
Views: 1964

Re: Where to purchase Windows? What version?

I don't know anyone using Win 8, who also used Win 7, who does not prefer Windows 7. Me me! I have a touchscreen on my Acer laptop running 8.1 and never use it, and prefers 8.1's features to 7, and am looking forward to updating both to 10. I do run Classic Start Menu on both though, negating some ...
by BigFoot48
Sat Mar 14, 2015 8:39 am
 
Forum: Personal Consumer Issues
Topic: Where to purchase Windows? What version?
Replies: 32
Views: 2137

Re: Where to purchase Windows? What version?

Good recent article article on all of the above recover/restore/etc issues: http://windowssecrets.com/newsletter/ne ... ion-media/ I use Magical Jelly Bean to get my Windows codes. https://www.magicaljellybean.com/keyfinder/ (use custom install to avoid adware)
by BigFoot48
Fri Mar 13, 2015 9:24 pm
 
Forum: Personal Consumer Issues
Topic: Where to purchase Windows? What version?
Replies: 32
Views: 2137

Re: If you could send an investment message 10 years in the

"Aren't you glad you were a Boglehead these last 10 years!"
by BigFoot48
Wed Mar 11, 2015 9:22 am
 
Forum: Investing - Theory, News & General
Topic: If you could send an investment message 10 years in the past
Replies: 62
Views: 4276

Re: Understanding Roth conversions and question

Use this model to estimate how much RMDs will be reduced by doing Roth conversions over a number of years: Retiree Portfolio Model
by BigFoot48
Mon Mar 09, 2015 10:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Understanding Roth conversions and question
Replies: 16
Views: 490

Re: not sure about my adviser

Bigfoot48 that madslinger report is a help. So if I use the coffeehouse example10.43, which is similar to what I'm doing, the total gain since 2010 should be 5 x 10.43CAGR= 52.15%. More. According to madslinger $10,000 invested in the default Coffeehouse portfolio at the start of 2010 would have gr...
by BigFoot48
Mon Mar 09, 2015 9:47 am
 
Forum: Investing - Help with Personal Investments
Topic: not sure about my adviser
Replies: 68
Views: 5561

Re: not sure about my adviser

I suggest you use this historic returns calculator (Spreadsheet for Backtesting) that allows a person to test alternative periods and portfolio, and provides examples of some commonly used portfolios: http://www.bogleheads.org/forum/viewtopic.php?p=1912664#p1912664 There's also this summary of commo...
by BigFoot48
Sun Mar 08, 2015 7:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: not sure about my adviser
Replies: 68
Views: 5561

Re: Automated Rosetta Stone?

I recently noticed that this ticker symbol lookup script was no longer working in Firefox so I investigated it this morning and found out several things: 1. The website hosting the java script originally created in 2008 by BH mas is no longer in existence. (A mirror of the site is available but does...
by BigFoot48
Sun Mar 08, 2015 12:47 pm
 
Forum: Forum Issues and Administration
Topic: Automated Rosetta Stone?
Replies: 19
Views: 6882

Re: Simplify this Portfolio

* Fire the adviser. * Liquidate the mish-mash of tiny funds. * Buy three total market index funds or the appropriate Vanguard Target Retirement Fund. satch, as usual Taylor has summed up simply and perfectly what you should do. I recommend starting that 3-step process tomorrow when the market opens.
by BigFoot48
Sun Mar 08, 2015 12:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Simplify this Portfolio
Replies: 14
Views: 1058

Re: not sure about my adviser

1) Call Schwab and ask how I can get rid of the advisor. Call the advisor and tell him I'm taking over the accounts and not to make any more transactions. Then figure out whether to move the portfolio to Vanguard and begin selling all the funds until I'm down to 3-5 funds. 2) Call Vanguard and ask ...
by BigFoot48
Sat Mar 07, 2015 4:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: not sure about my adviser
Replies: 68
Views: 5561

Re: Don't close your account until after next year's 1099s!

Good advice! I just closed a small $4k IRA at Schwab to simplify our financial life a bit. I made sure I saved the last statement, fund sale info, and transfer of the cash to our brokerage account record, and had been looking at the $0 balance and thinking I had to contact Schwab and close it for go...
by BigFoot48
Fri Mar 06, 2015 11:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Don't close your account until after next year's 1099s!
Replies: 2
Views: 607

Re: International is disappointing

I'm re-balancing next week and will be selling some REIT ETFs (has been over the 25% trigger point for awhile) and buying some International ETFs, and moving some money market balances that had gotten too high to bond funds. So it goes in the strategy of "stay the course".
by BigFoot48
Fri Feb 27, 2015 9:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: International is disappointing
Replies: 84
Views: 7209

Re: Are remote starters bad for cars?

I love the remote start feature in my C-Max Energi in the summer. Runs on electricity and nicely cools the car when I'm leaving a store or getting ready to leave home and the garage is 110F. Can also start it via the internet if I need a full 15 minutes of cooling and too far for the remote to work....
by BigFoot48
Fri Feb 27, 2015 2:35 pm
 
Forum: Personal Consumer Issues
Topic: Are remote starters bad for cars?
Replies: 41
Views: 2696

Re: Preparing for 2 months incommunicado

climber2020 wrote:Gonna at least take a small film camera to document the adventure?

What is this "film" stuff of which you write?

Victoria, I like the idea of no electronics including camera (of any type) - just savor the experience and the resulting memories!
by BigFoot48
Fri Feb 20, 2015 8:59 am
 
Forum: Personal Consumer Issues
Topic: Preparing for 2 months incommunicado
Replies: 142
Views: 6681

Re: HAPPY BIRTHDAY TO THE BOGLEHEADS FORUM

Mel, a very nice birthday celebration column with those amazing statistics on the success of the site. Happy birthday Bogleheads.org - with many more to come!
by BigFoot48
Mon Feb 16, 2015 11:57 am
 
Forum: Investing - Theory, News & General
Topic: HAPPY BIRTHDAY TO THE BOGLEHEADS FORUM
Replies: 30
Views: 2612

Re: Retiree Portfolio Model

That sounds like what happened. You may want to download a new copy and start all over, avoiding use of the macros. Hope you find it useful when it finally works as intended!
by BigFoot48
Fri Feb 13, 2015 9:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 182
Views: 49506

Re: [Is it worth getting an] AARP [membership]?

I was a member for a few years until it dawned on me that this organization I aligned with and sent money to never once had asked my opinion on any of the issues they were supporting, and never once asked me to vote for who should lead the "association". I view them as a for-big-profit pri...
by BigFoot48
Fri Feb 13, 2015 11:04 am
 
Forum: Personal Consumer Issues
Topic: [Is it worth getting an] AARP [membership]?
Replies: 58
Views: 4238

Re: Retiree Portfolio Model

BigFoot48, v4.93 seems to be working better for me, but I did run into one snag, similar to the one I mentioned yesterday - in the RMD start age field, where it defaults to 71, I need to change it to 70 and it will only accept "y" or "n". Denise, I am unable to test the model on...
by BigFoot48
Fri Feb 13, 2015 2:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 182
Views: 49506

Re: Retiree Portfolio Model

Clear Entries is a macro and you should open the file again and don't click on that just to eliminate it from the process. I have no idea why that SS value field has been apparently changed to a y/n field. Don't understand how that could happen. Go to the first post and download version 14.93 and se...
by BigFoot48
Wed Feb 11, 2015 3:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 182
Views: 49506

Re: Retiree Portfolio Model

BigFoot48 - Ah, I didn't realize it wasn't supported on Apple. I used v 14.3 last year and it appeared to be working, so maybe I'll go back to that. I wouldn't know if the calculations were correct, though. Do you know whether there were any calculation problems with that verison on Macs? There hav...
by BigFoot48
Wed Feb 11, 2015 2:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 182
Views: 49506

Re: Retiree Portfolio Model

Is the withdrawal rate calculation correct? I think it needs another parenthesis. And you are right! Good catch. This calculation is shown on the Results page in the summary of each case at the top. However I realized this factor was mis-labeled as it's not intended to be the withdrawal rate but ra...
by BigFoot48
Wed Feb 11, 2015 1:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 182
Views: 49506

Re: Retiree Portfolio Model

I just downloaded v 15.1 this afternoon and LibreOffice 4.4.0.3. I haven't started doing anything yet but I see that nothing happens when I press "Clear Entries" or any other button. I'm running on OSx 10.8. Any suggestions? Is anyone running this on a Mac with LibreOffice? Is there some ...
by BigFoot48
Wed Feb 11, 2015 9:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 182
Views: 49506

Re: Parents Approaching Retirement - Please Review

Makaveli1988 wrote:Yes, Fido placed them in all 16 funds.

An excellent reason to fire the manager and move out of Fidelity immediately.
by BigFoot48
Mon Feb 09, 2015 11:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Parents Approaching Retirement - Please Review
Replies: 37
Views: 3423

Re: Parents Approaching Retirement - Please Review

I would at a minimum drop the active management service at Fidelity as it's really easy to maintain a simple 3-4 fund portfolio at the chosen allocation, as mentioned by others. It's not clear, but does your Fidelity IRA hold 16 funds or is that just what is available in the management program?
by BigFoot48
Mon Feb 09, 2015 12:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Parents Approaching Retirement - Please Review
Replies: 37
Views: 3423

Re: Alternatives to Radio Shack?

According to what I had heard - not all stores are necessarily closing. Franchise stores are allowed to stay open and keep using the Radio Shack name. A list of stores closing immediately are here: http://www.scribd.com/doc/255034573/RadioShack-store-closures Yes, it appears the demise of Radio Sha...
by BigFoot48
Mon Feb 09, 2015 11:20 am
 
Forum: Personal Consumer Issues
Topic: Alternatives to Radio Shack?
Replies: 47
Views: 2991

Re: Retiree Portfolio Model

No, you can do each alone in the two different cases. In fact the example case that comes with the model does exactly that. Please note that both of these do the simple version of these two strategies and more complex benefit modeling, like combining both in a case, will have to await a further rele...
by BigFoot48
Sat Feb 07, 2015 7:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 182
Views: 49506

Re: Retiree Portfolio Model

A new version of the Retiree Portfolio Model is now available for download. Version 15.1 includes several fixes and minor improvements. Users of 15.0 that are not experiencing any problems as listed in the changes below can possibly ignore this update, but many users may benefit from the fixed Clear...
by BigFoot48
Wed Feb 04, 2015 2:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 182
Views: 49506

Re: Retiree Portfolio Model

Les - thank you for the compliments on the model and I'm glad you are finding it useful. I appreciate you reporting this error in the macro that clears most of the input factors. This resulted from a change I made at some point to a couple of cells, making them calculated rather than input, without ...
by BigFoot48
Wed Feb 04, 2015 2:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 182
Views: 49506

Re: Vehicles are (apparently) MUCH safer in last few years

For anyone drawing a blank as I was: ESC = electronic stability control.
by BigFoot48
Mon Feb 02, 2015 11:51 am
 
Forum: Personal Consumer Issues
Topic: Vehicles are (apparently) MUCH safer in last few years
Replies: 54
Views: 4419

Re: Microsoft Excel vs. Apple Numbers

P.S. Quick test, just a reality check to see what is going to happen. The latest version of Numbers I have is Numbers '08. I am going to try to open the Simba Backtest spreadsheet we have here on the forum. I found the results of that test hilarious. Apple needs a warning label on it: "Caution...
by BigFoot48
Sat Jan 31, 2015 12:58 am
 
Forum: Personal Consumer Issues
Topic: Microsoft Excel vs. Apple Numbers
Replies: 20
Views: 2015

Re: Thinking of switching from Turbo-Tax

Looks like TT has seen the error of their ways. Having used H&R a bit more I think I can safely say "I won't be going back to TT". Amid a continuing uproar, the maker of TurboTax tax-preparation software said Thursday it would reverse changes in its products that forced some customers ...
by BigFoot48
Fri Jan 30, 2015 6:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Thinking of switching from Turbo-Tax
Replies: 26
Views: 1923

Re: Scottsdale, AZ - what to do?

If you want a tour I'd do a loop: Arcosanti https://arcosanti.org/ , Sedona, Jerome, Prescott, Wickenberg and back via Lake Pleasant. You could add Flagstaff and the Grand Canyon but doing all that in one day would be a probably not be much fun. Around town the Desert Botanical Museum, Heard Museum,...
by BigFoot48
Fri Jan 30, 2015 6:06 pm
 
Forum: Personal Consumer Issues
Topic: Scottsdale, AZ - what to do?
Replies: 42
Views: 3380

Re: cvt transmissions

My Ford C-Max has an eCVT, the first car I've had with a CVT, and I absolutely love it, and hope every future car I buy has one (and will shop accordingly). I now consider normal automatics, with their 4-10 gears, ridiculous prior-century relics. The eCVT: More precisely the eCVT transmission is a P...
by BigFoot48
Thu Jan 29, 2015 4:13 pm
 
Forum: Personal Consumer Issues
Topic: cvt transmissions
Replies: 45
Views: 2828

Re: I just filed a Restrictive App at the SS office

ObliviousInvestor has a nice summary of claiming strategies on his website: http://www.obliviousinvestor.com/social-security-strategies-for-married-couples/ I also like this AAII one which focuses on spousal benefit options: http://www.aaii.com/journal/article/social-security-strategies-for-couples....
by BigFoot48
Wed Jan 28, 2015 12:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: I just filed a Restrictive App at the SS office
Replies: 39
Views: 2529

Re: Thinking of switching from Turbo-Tax

This might also be a reason to switch but I wouldn't assume the other companies don't do this too. Intuit (INTU), the company that makes TurboTax, maintains a database containing users’ Social Security numbers, names and other personal data — even for customers using the desktop version of the softw...
by BigFoot48
Wed Jan 28, 2015 11:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Thinking of switching from Turbo-Tax
Replies: 26
Views: 1923

Re: Thinking of switching from Turbo-Tax

I switched from TT to H&R Block this year and so far it looks very good at about half the cost but check back in April for a final report.
by BigFoot48
Wed Jan 28, 2015 9:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Thinking of switching from Turbo-Tax
Replies: 26
Views: 1923

Re: Amazon Prime Is $72 Tomorrow for New Users

I let the "vampire expense" bite me and signed up for Prime today. In addition to the free 2-day shipping for $30 stuff I might buy occassionally, I'm hoping the wife will take advantage of the Kindle First benefit (two pre-release books a month) and the Kindle Lending Library. And an occa...
by BigFoot48
Sat Jan 24, 2015 1:17 pm
 
Forum: Personal Consumer Issues
Topic: Amazon Prime Is $72 Tomorrow for New Users
Replies: 27
Views: 2952

Re: Surviving the Tax Bite of RMD Withdrawals in Retirement

Looks like we may be in this situation in the future. We are 50 now. Roughly $1.5M in pre tax accounts, $2M in taxable. Fairly higher tax bracket. Should we be maxing Roth 401k, not traditional? Any good models out there to run scenarios? Use my model to see the impact of Roth conversions on Federa...
by BigFoot48
Sat Jan 24, 2015 11:52 am
 
Forum: Investing - Theory, News & General
Topic: Surviving the Tax Bite of RMD Withdrawals in Retirement
Replies: 79
Views: 7225
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